Deduction of Rs 30000/- from my SB Account without my consent or instruction.?

Question

I am sorry to inform that Rs 30000/- has been deducted from my account  on 31.12.2015 without my consent or instruction. I had tried to lodge complaint in the branch where my saving bank account is i. e bank sec 119, Noida They suggested to lodge complaint with customer care .I had tried to lodge complaint on customer care, but Mr Pramod from customer care has refused to entertain complaint. He agreed to register after a lot of persuasion by branch official, which is really a sad affair. I failed to understand for what purpose these customer care personnel are posted, pl. clarify. I had contacted both Sector-119 branch . They suggested to contact bank Prulife . bank Prulife told to contact Sector 119 Noida Branch.The whole affair is one of the worst service that a consumer like me has suffered form a prestigious bank like your bank without any fault of consumer. I request all concerned including top boss of bank to see the working affairs running in your bank & direct all concerned for immediate reversal of deducted amount . They told that it will be done in 4 working days, which means two weeks time. Who will pay the interest amount. The bank should pay interest amount & penalty for the poorest affair working in your branch /system which resulted in mental harassment & loosing of trust .
 

Answer 1

Dear Anand

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

I assume that the referred debit was probably towards Prudential Life Insurance premium, which might have been done in terms of the standing instructions obtained by the Bank, while signing for the policy.  If the above is not the case, then the bank is answerable to clarify regarding the nature of the debit made in your account.  If it was a wrong debit, then should be reversed.  Please take it up with your home branch and if no satisfactory response is being received, then you can complain to the Bank's management.  You can find contact details of Nodal Officer on your bank's website. In case you do not get desired response, please do not hesitate to write to BO. For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access the website https://bankingombudsman.rbi.org.in/.

RAJA